close

Save tax up to ₹75,000 ~ u/s 80D.

JOY Maternity Insurance Plan

A Maternity Health Insurance is a safety net for expecting mothers and their newborns with thoughtful features and benefits that cover delivery-related expenses during the most joyous phase of their life..

View More

Reasons to Choose Care Health Insurance?

  • Healthcare Networks
    24800+ CASHLESS HEALTHCARE PROVIDERS^^
  • Claim settled ratio
    48 Lakh+INSURANCE CLAIMS SETTLED**
  • Claim settled
    24*7CLAIM AND CUSTOMER SUPPORT

Secure the Ultimate JOY of Motherhood with Maternity Plan

Get a Free Quote

Save Upto 10% on Health Insurance Premium~~

arrow_back Select Family members you want to cover

arrow_back Select the age of each family member

arrow_back Where do you live? Help us with your city pincode

Note: To check other product- click here

What is JOY- Maternity Insurance Plan?

JOY is a thoughtfully designed health insurance plan with maternity coverage for expecting mothers and newborns. At Care Health Insurance, we understand that rising medical inflation and skyrocketing hospitalization expenses create financial hindrances for to-be parents. Therefore, we offer JOY- the most health insurance with a maternity cover that gives the best healthcare facilities to the mother and her baby.

Available at an affordable premium, this plan reduces the couple's financial worries about delivery-related expenses and encourages them to start their family at the right time. It comes with a waiting period, so it is advisable to get maternity cover insurance in advance and stay prepared to welcome your baby into this world without any distress.

Plan Highlights of Joy, Maternity Insurance Plan

  • An ideal combination of health insurance that covers hospitalization and maternity insurance.
  • Promises to cover your newborn baby for up to 90 days.
  • Covers 540+ daycare treatments.
  • Simple claim settlement procedure to ensure immediate services.

Cover Highlights

MATERNITY CARE

MATERNITY CARE

NEW-BORN BABY COVER

NEW-BORN BABY COVER

PRE & POST HOSPITALIZATION

Pre & Post hospitalization
Expenses

INPATIENT CARE

INPATIENT CARE

DAY CARE TREATMENT

Day care treatment

AMBULANCE COVER

AMBULANCE COVER

FAMILY FLOATER OPTION

FAMILY FLOATER OPTION

Coverage Benefits Under JOY - Maternity Insurance Plan

Health insurance with maternity coverage comes with the following features:

See all Sum Insured Options east

KEY FEATURES Joy Today Joy Tomorrow
In-Patient Care check check
Day Care Treatment check check
Pre-hospitalization
info We cover the related medical expenses incurred by you even 30 days before your hospitalization. There may also be follow-up visits to your medical practitioner, medication that is required etc. We cover the related medical expenses incurred by you after your hospitalization also, for a period of 60 days.
30 days 30 days
Post-hospitalization
info We cover the related medical expenses incurred by you even 30 days before your hospitalization. There may also be follow-up visits to your medical practitioner, medication that is required etc. We cover the related medical expenses incurred by you after your hospitalization also, for a period of 60 days.
60 days 60 days
Ambulance Cover Up to ₹1,000 per Claim Up to ₹1,000 per Claim
Maternity Cover
info We will cover maternity-related expenses incurred with respect to hospitalisation for the delivery of the child. What’s more, we even cover pre and post-natal expenses!
Up to ₹35,000 for 3L SI
Up to ₹50,000 for 5L SI
Up to ₹35,000 for 3L SI
Up to ₹50,000 for 5L SI
Newborn Baby Cover
info We will also cover the medical expenses of your dear newborn from birth till the completion of 90 days. After 90 days, your baby would be covered under the regular policy upon payment of additional premium.
Up to ₹30,000 for 3 Lac SI
Up to ₹50,000 for 5 Lac SI
Up to ₹30,000 for 3 Lac SI
Up to ₹50,000 for 5 Lac SI
New Born Birth Defects Not Applicable ₹50,000
Maternity wait period 9 months 24 months
Brochure

Download the Brochure for Joy Complete Plan Details

Download Joy complete plan details

Read Through it!
Get Complete Policy Details in the Brochure With Our Expert Assistance!

Maternity Insurance Plan Details

  • Minimum Entry age of adult is 18 years or above and 1 day to 24 years for child

  • Maximum Entry age limit is 45 years

  • Pre-policy issuance Medical Check up applicable on insured Person with age 46 years or above

  • Sum Insured will be reinstated for a non-related illness once a year if the original sum insured gets exhausted in a year

  • Waiting period of 4 years for coverage on conditions declared and existing at the time of first purchase

  • Co-payment - While buying or renewing a policy at age 61 years and above, customers will have the choice to include or exclude the co-payment feature that implies -

    • Continuing the policy with 20% co-payment

    • Continuing the policy without 20% co-payment by opting for a waiver benefit.

  • Free-look period of 15 days from the date of receipt of policy if you find it unsuitable after deducting proportionate risk premium for the period on cover, expenses for medical examination and stamp duty charges, as applicable

Download Terms & Conditions
  • Any pre-existing ailment/injury that was diagnosed/acquired within 48 months prior to issuance of the first policy

  • Any diseases contracted during first 30 days of the policy start date except those arising out of accidents

  • Non-allopathic treatment.

  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)

  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse

  • Cost of spectacles/contact lenses, dental treatment

  • Medical expenses incurred for treatment of AIDS

  • Congenital disease

  • Tests and treatment relating to infertility and in-vitro fertilisation.

STEP 1

Emergency

Intimate within 24 hours of your hospitalization

Planned Hospitalization

Intimate us 48 hours prior to your hospitalization

STEP 2

Cashless

Request for pre-authorization

Reimbursement

Claim from submission

Complete the pre-authorization form available
at the hospitals insurance/TPA Desk and send us through fax.

Approval

Approval

Approval letter sent by the claim management team

Query

Query

Hospital/Insured to response to the query raised by the claim management team

Rejected

Rejected

You may initiate the treatment and file for reimbursement claim

Submission of claim form along with required
documents, as per the policy terms & conditions

Approval

Approval

Approval letter sent by the claim management team

Query

Query

Insured to response to the query raised by the claim management team

Rejected

Rejected

We will communicate the reason in case of rejection

24800+Health Care Providers Serving Cashless Medical Services Across The Globe

Look for hospitals around you

Detailed Hospital List
24800+ Health Care Providers Across The Globe
Map empty

Voice of our Customers

AS
Anamika Sahay December 01, 2023
Joy/joy tomorrow
5

Amazing plan

Cant thank you enough to help me so quick with finances when my baby was about to be born and I had no strong financial support at that time. My premium paid off eventually.
G
Gloria December 01, 2023
Joy/joy tomorrow
4

Good benefits

I advised this plan to my brother for his wife. He got really impressed with the services during his wifes delivery. Thank you.
MY
Malti Yadav December 01, 2023
Joy/joy tomorrow
3

Good plan

This is a good maternity plan but with too many terms and conditions. Please make it flexible for new parents.
DM
Deepali Manchanda December 01, 2023
Joy/joy tomorrow
4

Helpful for maternity

I am the customer of care health insurance recently I purchased the policy care joy and i am happy with the benefits.
R
Ritukant December 01, 2023
Joy/joy tomorrow
3

Process your claims fast

I bought Joy maternity plan for my wife as we were planning a baby. Although they took time to process the claim after the delivery, it happened last moment. You should process your claims little faster.
Rahul Sangwan

My appreciation for your prompt service

Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

Rahul Sangwan

Health Insurance

Samanway Barik

We will continue to avail of your scheme

I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

Samanway Barik

Health Insurance

Soubhagya K Kulkarni

Everything went very smooth

Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

Soubhagya K Kulkarni

Health Insurance

Vaibhav Rai

Really helpful explaining the process in advance

Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

Vaibhav Rai

Health Insurance

Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.

Awarded As Claims

Best Health Insurance
Company of the Year*

Total Claims Paid

48 Lakh + Claims Settled**

Cashless Claim

24800+
CASHLESS HEALTHCARE PROVIDERS^^

**Number of claims settled as of 30th March 2024     *India Insurance Summit & Awards 2023

FAQS on Maternity Insurance Plan

Q. When should I buy JOY- Maternity Health Insurance Plan?

You can buy a maternity insurance plan when you are ahead in planning a family. Under our maternity/pregnancy insurance cover “Joy Today”, we cover maternity expenses after 9 months, and in the case of another cover called “Joy Tomorrow,” we cover maternity expenses after 2 Years.

Q. Can I get JOY- Maternity Health Insurance while pregnant?

No, you can’t buy JOY- Maternity Health Insurance while pregnant. You can take maternity insurance when ready to welcome your bundle of joy. However, the benefit is only available if the delivery happens after the waiting period. So, it is advisable to buy maternity insurance as early as possible. Care’s Joy Maternity Insurance Plan will provide essential coverage.

Q. What is the Waiting Period for JOY- Maternity Insurance?

We have two maternity health insurance products their respective waiting period is mentioned as below:

  • Joy Today: 9 months
  • Joy Tomorrow: 3 years

Q. What is the minimum and maximum age for JOY- Maternity Health Insurance?

The eligibility for maternity health insurance is:

  • Minimum Age: Adult: 18 years or above
  • Maximum Age: 45 years

Q. Is Pregnancy Considered a Pre-existing Condition for Health Insurance?

No, if you get pregnant before enrolling in a health plan and delivery happens after the waiting period, you are eligible to avail of the benefit.

Q. Is Pregnancy Termination Covered in Maternity Coverage?

Self-termination of pregnancy is not covered under maternity coverage.

Q. Is 2nd Child Birth Covered Under Maternity Coverage?

Yes, 2nd childbirth is covered under maternity coverage if the maternity sum insured is not exhausted.

Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.

~Tax benefit is subject to changes in tax laws. Standard T&C Apply

^^Number of Cashless Healthcare Providers as of 31st March 2024
**Number of Claims Settled as of 31st March 2024
~~10% discount is applicable for a 3-year policy

Brochure

Download the Brochure for Joy Complete Plan Details

Download Joy complete plan details

Read Through it!
Get Complete Policy Details in the Brochure With Our Expert Assistance!

Secure Your Finances Now!

Get the best financial security with Care Health Insurance!

+91

Reach for Services at
whatApp Icon8860402452


phone_in_talk

Get Expert Advice

question_answer

Chat with Us

question_answer

Chat with Us

Please Select Chat Option ×
Buy New policy To explore and buy a new policy
Existing policy enquiry for assistance with your existing policy